Do you need to establish or rebuild your credit? 
 
Challenging negative items on your credit report is essential in repairing your credit, and it is your right under the Fair Credit Reporting Act (FCRA). However, it is impossible to build a good credit score without positive accounts reporting:
Perfect payment history
Low balances & responsible usage
A good mix of revolving and installment credit
 
Download this FREE guide and learn exactly how to build and rebuild your credit profile, including secured and unsecured credit, personal funding, and more!